| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $40K | $40K | 4.82% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $114 | $2K | 7.41% |
| DB HEALTHCARE CONSULTING3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $592 | $0 | $592 | 1.83% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $592 | $0 | $592 | 1.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 135 MAIN STREET 21ST FL SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $75 | $75 | 0.23% |
| DB HEALTHCARE CONSULTING3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.58% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $67 | $1K | 6.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $313 | $0 | $313 | 1.39% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $313 | $0 | $313 | 1.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 135 MAIN STREET 21ST FL SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $39 | $39 | 0.17% |
| DB HEALTHCARE CONSULTING3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | $0 | $569 | 4.96% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $534 | $27 | $561 | 4.89% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $539 | $0 | $539 | 4.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211 | $0 | $211 | 1.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $27 | $27 | 0.24% |
| DB HEALTHCARE CONSULTING0 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | AMERITAS LIFE INSURANCE CORP | $217 | $0 | $217 | 3.17% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | AMERITAS LIFE INSURANCE CORP | $199 | $0 | $199 | 2.91% |
| ASSOCIATION MARKETING SPECIALISTS3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | AMERITAS LIFE INSURANCE CORP | $158 | $0 | $158 | 2.31% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 243 | $836K |
| Vision | AMERITAS LIFE INSURANCE CORP | 75 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $22K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $32K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.